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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $120,395 | $73,787+63.2% | $98,716+22.0% | $82,448+46.0% |
| Participation rate | 70.0% | 61.4%+8.6pp | 69.3%+0.7pp | 68.1%+1.9pp |
| Annual return | 11.79% | 18.57%-6.8pp | 31.81%-20.0pp | 41.64%-29.8pp |
| Employer contribution / active EE | $1,925 | $1,511+27.4% | $2,279-15.5% | $2,551-24.5% |
| Participant deferral / active EE | $6,934 | $3,081+125.0% | $4,048+71.3% | $4,139+67.5% |
| Admin fee / account holder | $22,845 | $6,500+251.4% | $8,703+162.5% | $7,234+215.8% |